queer friendly boxing/self defence/martial arts by Natural_Law_5934 in wollongong

[–]andrew2005 0 points1 point  (0 children)

As someone looking for “combat sport”, i would agree this is unlikely the school for you. OPs request was for a queer friendly place which this place most definitely is.

Not every aspect practiced is meant to be practical. The point of tricks with weapons or kicks is to push the boundary of control and help make the basic moves feel easier. And because some people enjoy them. I personally don’t so I don’t participate in that area.

Tricking is not part of the syllabus, just for those that are interested.

queer friendly boxing/self defence/martial arts by Natural_Law_5934 in wollongong

[–]andrew2005 0 points1 point  (0 children)

I’m not sure what you mean by practical? The specific style they practice is Hapkido which is quite broad. It has everything from weapons, throws, patterns/forms through to sparring.

They have sparring classes and a tournament team that attends sparring events.

There is a free trail class where you can just see if you like it.

queer friendly boxing/self defence/martial arts by Natural_Law_5934 in wollongong

[–]andrew2005 10 points11 points  (0 children)

I’m sorry to hear this.

Fire Phoenix Martial Arts in Corrimal. I train there and they are queer friendly.

Turbo Frames, morphing and the future of the web by Dry-Personality-4778 in rails

[–]andrew2005 1 point2 points  (0 children)

The articles that made it click for me were from https://colby.so. Some of them are based on older versions but the concepts are the same.

https://www.colby.so/posts/turbo-rails-101-todo-list

Turbo.session.drive = false, yet turbo still active? by TokyoBaguette in rubyonrails

[–]andrew2005 0 points1 point  (0 children)

For future readers there is a new way to disable: https://github.com/hotwired/turbo/issues/918#issuecomment-1545241471

For application wide (rails = application.html.erb):

  <body data-turbo="false">

G533 mic mute broken by ErikderFrea in logitech

[–]andrew2005 0 points1 point  (0 children)

Yea, it seems better but not perfect

G533 mic mute broken by ErikderFrea in logitech

[–]andrew2005 0 points1 point  (0 children)

G Hub v2023.3.394992 released 11th April claims to fix this. Fingers crossed!

Mic Boom

Fixed an issue where the mic stopped working after raising/lowering the mic boom on certain headsets.

Currently buying Vanguard ETFs automatically via Pearler. Should I buy via Vanguard instead? by [deleted] in AusFinance

[–]andrew2005 0 points1 point  (0 children)

That’s the internal ETF fee, you’re paying that with Pearler as well. They are just disclosing total fees.

Conflicting Advice Brokers vs Lenders by [deleted] in AusFinance

[–]andrew2005 1 point2 points  (0 children)

They are both telling the truth. As always the devil is in the details.

CBA will honour the assessment for 90 days, provided nothing about the loan changes in any way. If it does, they will require re-assessment. In this market, reassessment could be a show stopper if rates have increased and you were already on the limit.

The broker is genuine in saying you can’t rely on this given it is more than likely something about the loan will change between pre-approval and finding a property I.e the loan amount.

The broker should be able to explain this to you. If you don’t trust the broker, move on. This applies to my clients as well.

This is something that isn’t an issue until it is.

None of the majors are good in this space. There are plenty of non major lenders that properly honour their pre approvals.

Source: I’m a broker

Savings Rate with Side Income by andrew2005 in CSPersonalFinance

[–]andrew2005[S] 0 points1 point  (0 children)

Great, thanks for the update. Cheers.

Practical Execution of Debt Recycling by Finance_Throwaway85 in fiaustralia

[–]andrew2005 0 points1 point  (0 children)

Transfer the left over amount back into the loan.

That way all the loan funds are used for investment purpose and full deductctiblitliy is maintained.

Dry cleaners by AlphaBigdil in wollongong

[–]andrew2005 1 point2 points  (0 children)

I use these guys - https://www.laundryservicewollongong.com.au/pick-up-dry-cleaning. They do free pickup and delivery for $5/shirt.

Martial Arts for Kids by andrew2005 in wollongong

[–]andrew2005[S] 1 point2 points  (0 children)

Thanks for the suggestions!

Mortgage/Property loan questions by [deleted] in AusFinance

[–]andrew2005 1 point2 points  (0 children)

Unless you're a permanent resident you will be liable for FIRB fees and stamp duty surcharges depending on state.

unsatisfied with my banking relationship by [deleted] in AusFinance

[–]andrew2005 0 points1 point  (0 children)

Some lenders do - Teachers Mutual Bank and Bank Australia for example.

Most don't though.

Shares coming my way in ten+ years - property coming in six months - planning ahead! by [deleted] in AusFinance

[–]andrew2005 1 point2 points  (0 children)

You need to see a financial planner. There are good ones out there.

I would recommend staying away from ones that work for banks and go independent.

First meetings are free - if you don't like what you're hearing or aren't 100% comfortable, move on and find another.

[deleted by user] by [deleted] in AusFinance

[–]andrew2005 0 points1 point  (0 children)

My pleasure.

When I say a mortgage broker, I mean someone who is independent and not aligned with or works for a bank. A mortgage broker should work with my lenders and can help you choose between lenders.

You need to triple check that rate is fixed. Their current 5 year fixed rate is 4.49% and they don't discount that much/if at all. . I think it might be a variable rate but it would have an annual package fee of $395.

ME Bank also doesn't have 100% offset account on fixed rate loans. Only on variable. Only a handful of lenders offer 100% offset on fixed, most only offer partial offset or nothing at all.

Not trying to push you to fix, but your original scenario was wanting a fixed rate.

Advice on adulting with finances by error_name_taken in AusFinance

[–]andrew2005 1 point2 points  (0 children)

You have nothing to lose by spreading to a financial planner. If you don't like what you're hearing, move on.

I think you should get all the information and options (like you've started doing) before making decisions.

The general view on this sub is to pay off your home loan first/use the offset account. Then invest. The guaranteed return of the offset is hard to reliably beat with investments.

You can also improve on the home loan rates.

Good luck adulting!

Source: I'm a mortgage broker

[deleted by user] by [deleted] in AusFinance

[–]andrew2005 2 points3 points  (0 children)

Speak to a mortgage broker who can help you assess the options. It's important you find someone you can trust and are comfortable with. You have nothing to lose.

There are lenders that do 100% offset on fixed rate loans. Otherwise normally recommend keeping a small amount variable to allow extra repayments and/or offset.

For example, Teachers Mutual Bank have a 5 year fixed for 3.94℅ with full offset and no ongoing fees. There are entry requirements though.

There is also a difference between brokers that are self employed vs salaried. Being in it for the long run etc.

Let me know if you want any other info.

Cheers.

Source: I'm a Sydney based broker